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How much is car insurance in Los Angeles?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Los Angeles are about $17 a month more expensive than the rest of California.
That being said, the expected monthly payments for an auto insurance policy in Los Angeles are still slightly below the national average. The average monthly payment in Los Angeles is about $6 less than the rate for the rest of the United States.
Although these are the average car insurance rates in Los Angeles, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Los Angeles residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay almost $40 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Los Angeles, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Los Angeles with a single accident on their record is about $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $112.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$69|
In Los Angeles, the cheapest vehicles to insure are usually trucks and vans.
Those with cars will see a monthly bill of about $73 a month, whereas those who drive SUV's can expect to see their bill come in around $72 per month.
The average monthly cost for coverage for truck and van drivers usually runs about $66.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Overall, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your rates may start to dip back down a bit. In Los Angeles, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally speaking, people who are married will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
When it comes to car insurance rates in Los Angeles, that difference ends up being about $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Los Angeles. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Los Angeles, CA
Recent trends in car insurance for Los Angeles drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Car insurance rates in Los Angeles rose from 2016-2017, when they hit a high of $83. This pattern shifted in 2018, when they began to decrease, and have continued on that road through the present, when rates reached a low of $63 per month in 2021.
How does Los Angeles compare to neighboring areas?
Why are car insurance rates in Los Angeles different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Regional laws
- Access to off-street parking
- Number of car accidents
- Number of drivers
- Crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Los Angeles?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Los Angeles.
Los Angeles Insurance FAQs
What factors affect car insurance quotes in Los Angeles?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Los Angeles different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Los Angeles?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Los Angeles?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Los Angeles or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.